West Midlands · England

House prices in Birmingham: July 2026 and purchase tax

Average prices of the UK House Price Index (HM Land Registry, Registers of Scotland, Land & Property Services and ONS), July 2026, all property types. 8,963 sales over the latest twelve months with complete volumes.

In short

In July 2026, the average price of a home in Birmingham was £234,257, +2.5% over twelve months (7% below the West Midlands average). At that price, a home mover pays £2,185 in Stamp Duty Land Tax, plus £150 of HM Land Registry fee.

Calculate for Birmingham

If you buy

Stamp Duty Land Tax and registration in Birmingham

Rates of HMRC, set at the average price in Birmingham (July 2026). Change any field: the amounts are recalculated instantly.

Rates appliedstandard rates
Stamp Duty Land Tax£2,185
Share of the price0.93%
HM Land Registry fee (online application)£150
Total, tax and registration£2,335
Return and payment14 days

Residential purchase by an individual. Not included: conveyancer, survey and lender fees (no official scale). No mortgage figure: Payotte has no official UK mortgage rate to apply. All the rates and sources.

If you sell

Capital Gains Tax on the sale

Your main home, lived in for all the time you owned it: no tax (Private Residence Relief). A second home or a buy-to-let: Capital Gains Tax, same rates in all four nations.

Gain£76,137
Taxable after the £3,000 allowance£73,137
Rate24%
Capital Gains Tax£17,553

Report and pay within 60 days of completion. Assumes no other gains this tax year and the whole £3,000 allowance unused (2026 to 2027).

Default example: bought at the average price in Birmingham in July 2016 (£158,120), sold at the July 2026 average (£234,257), UK House Price Index. Rates for 2026 to 2027: 24% for higher and additional rate taxpayers; for basic rate taxpayers, 18% on the part of the gain that fits in the £37,700 basic Income Tax band once added to taxable income (income minus Personal Allowance), 24% above (HMRC). Gain = sale price − purchase price − costs of buying, selling and improving; Payotte does not estimate those costs (no official scale). GOV.UK: Capital Gains Tax rates · Tax when you sell your home.

The questions, answered

What is the average house price in Birmingham?

The average price of a home in Birmingham was £234,257 in July 2026, +2.5% over twelve months (UK House Price Index).

How much does a flat or a house cost in Birmingham?

In July 2026, the average price in Birmingham was £443,346 for a detached house, £275,144 for a semi-detached house, £221,903 for a terraced house, £144,814 for a flat (UK House Price Index).

What do first-time buyers pay in Birmingham?

First-time buyers paid £211,998 on average in Birmingham in July 2026, against £234,257 for all buyers (UK House Price Index).

Have house prices gone up in Birmingham?

The average price in Birmingham went from £158,120 in July 2016 to £234,257 in July 2026, a change of +48.2%; +2.5% over the last twelve months (UK House Price Index).

How much Stamp Duty Land Tax on an average-priced home in Birmingham?

On £234,257, Stamp Duty Land Tax (SDLT) comes to £2,185 for a home mover, £0 for a first-time buyer and £13,898 for an additional property, at the rates in force in England.

How much tax when you sell a home in Birmingham?

None on your main home if it was your only home, lived in for all the time you owned it, not let out and not used exclusively for business (Private Residence Relief). A second home or a buy-to-let pays Capital Gains Tax, at the same rates in all four nations: 24% for a higher or additional rate taxpayer and 18% for a basic rate taxpayer on the part of the gain within the basic Income Tax band, on the gain above the £3,000 tax-free allowance (2026 to 2027). Bought at the average price in Birmingham in July 2016 (£158,120) and sold at the July 2026 average (£234,257), the gain of £76,137 costs a higher rate taxpayer £17,553, before deducting the costs of buying, selling and improving. The tax is reported and paid within 60 days of completion (HMRC).

How many homes sell in Birmingham?

8,963 sales in Birmingham were registered from May 2025 to April 2026, the latest twelve months with complete volumes (UK House Price Index).

Is Birmingham expensive?

Birmingham ranks 12th of the 20 areas Payotte covers for the average price in July 2026, from £479,736 in Buckinghamshire to £140,447 in County Durham.

Prices by property type, July 2026

TypeAverage priceWest Midlands
Detached£443,346£420,731
Semi-detached£275,144£255,222
Terraced£221,903£205,555
Flat or maisonette£144,814£138,812
All types£234,257£250,880
First-time buyers£211,998£212,902

The UK HPI is a mix-adjusted average (a hedonic model), not the price of the homes sold in the month. Northern Ireland figures are quarterly.

The trend, July of each year

YearAverage priceChange on the year before
2016£158,120—
2017£169,397+7.1%
2018£177,502+4.8%
2019£182,035+2.6%
2020£187,591+3.1%
2021£207,594+10.7%
2022£223,645+7.7%
2023£224,965+0.6%
2024£226,956+0.9%
2025£228,470+0.7%
2026£234,257+2.5%

Sources